secwatch.observer — SEC 8-K summary
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Issuer:     FARMERS & MERCHANTS BANCORP (FMCB)
CIK:        0001085913
Form:       8-K
Filed at:   2025-10-16T23:59:59+00:00
Accession:  0001140361-25-038264
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Farmers & Merchants Bancorp reports record Q3 net income $23.7M, EPS up 13% YoY
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- Diluted EPS $33.92, up 13.22% from $29.96; net income $23.7M, up 7.22% YoY.
- Net interest income $55.4M, up 6.6% YoY; NIM 4.14% for nine months vs 4.04%.
- Tangible book value per share $877.13, up 9.8% from $799.04 a year ago.
- Total deposits $4.9B, up 4.0% vs Dec 2024; loan-to-deposit ratio 74.16%; no borrowings.
- Credit quality strong: non-accrual 0.03%, net charge-offs 0.03% of avg loans.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1085913/000114036125038264/0001140361-25-038264-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1085913/000114036125038264/ef20057181_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-25-038264

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